I'm playing a character right now and have just done another in one Dungeon Fantasy / DFRPG Group starting at 75 points (+50 Disads, +5 quirks). It's not too difficult to make a viable character, even if it is so far – you will not have any skills at the "expert" level or just one at the expense of others that are above the standard, but the group adventures are balanced for that power level.
What I just remembered (and for Vanilla seems just as legitimate concern) GURPS) means that an ordinary 250-point starting value or even a 125-point value starts with more advantages as a 75-pointer – because the lower score spends everything on attributes and skills (for example, the template for a magician rather limits the benefits of Magery 2 over the required Magery 1 or an attribute boost).
One of the basic principles of "leveling" in DFRPG For example, if you've accumulated and accumulated 50 points, your 75 point character is no different from a new character that started with 125 points – but that does not seem to be the case, because the 125 point character has one or multiple benefits that the 75-point character could not afford, and most benefits (such as "Magery," "Mastered Coaching," or "Happiness") can not be gained through experience.
What's the best way to ensure that a 75-point character has no disadvantage over the advantages over a 125-point start after playing awhile and gaining 50 experience points? Is there a mechanism in the DF / DFRPG Rules that I miss, that allow you to add advantages in the upgrade or in other circumstances in the game?